好的金融创新与坏的金融创新

Good and bad financial innovation

未来的金融创新应关注四个方面：提高金融资源的配置效率,让市场机制发挥作用;改善金融结构,支持技术创新、创业与产业升级换代;利用数字技术创新,改善金融尤其是普惠金融服务;坚守金融风险的底线。金融创新非常重要,特别是在今天的中国,需要进一步的金融创新,以满足产业升级换代、新旧动能转换的要求。但过去十几年来,我们确实也看到了很多不好的金融创新.

Financial innovation is very important, especially in today's China, where further financial innovations are needed to meet the requirements of industrial upgrading and transition to new economic drivers. Future financial innovations should focus on four aspects: improving the efficiency of financial resources allocation and allowing the market to play its role; improving the financial structure and supporting technological innovation, entrepreneurship and industrial upgrading; using digital technology innovation to improve financial service, especially inclusive financial services; and preventing financial risks.